
\textit{Lack of access to financial services} & & & & & & & & \\
\hspace{2ex}No savings account & 3.60 & (0.75) & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 2.75 & (0.74)\\
\hspace{2ex}No overdraft facility & 6.88 & (1.31) & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 5.01 & (1.31)\\
\hspace{2ex}No credit card & 8.20 & (0.80) & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 6.18 & (0.80)\\\tabularnewline
\textit{Income from other sources (in R\$ 1,000)} & & & & & & & & \\
\hspace{2ex}Family per cap inc ex my work inc & -1.12 & (0.27) & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & -0.20 & (0.27)\\
\hspace{2ex}(Family per cap inc ex my work inc)$^2$ & 0.02 & (0.00) & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 0.00 & (0.01)\\\tabularnewline
\textit{Making ends meet (ref: very easy)} & & & & & & & & \\
\hspace{2ex}Easy to make ends meet & $\cdot$ & $\cdot$ & -1.02 & (2.56) & $\cdot$ & $\cdot$ & -1.22 & (2.59)\\
\hspace{2ex}Somewhat easy to make ends meet & $\cdot$ & $\cdot$ & 1.68 & (2.57) & $\cdot$ & $\cdot$ & 0.84 & (2.61)\\
\hspace{2ex}Somewhat hard to make ends meet & $\cdot$ & $\cdot$ & 7.83 & (2.48) & $\cdot$ & $\cdot$ & 4.51 & (2.51)\\
\hspace{2ex}Hard to make ends meet & $\cdot$ & $\cdot$ & 10.85 & (2.58) & $\cdot$ & $\cdot$ & 4.98 & (2.60)\\
\hspace{2ex}Very hard to make ends meet & $\cdot$ & $\cdot$ & 19.57 & (2.68) & $\cdot$ & $\cdot$ & 10.08 & (2.77)\\\tabularnewline
\textit{Has large non-essential expenses (top decile)} & & & & & & & & \\
\hspace{2ex}Education expenses $>$ 15\% of total & $\cdot$ & $\cdot$ & -2.81 & (1.17) & $\cdot$ & $\cdot$ & -2.40 & (1.17)\\
\hspace{2ex}Personal expenses $>$ 13\% of total & $\cdot$ & $\cdot$ & -0.91 & (1.17) & $\cdot$ & $\cdot$ & -1.86 & (1.18)\\\tabularnewline
\textit{Has large essential expenses (top decile)} & & & & & & & & \\
\hspace{2ex}Housing expenses $>$ 58\% of total & $\cdot$ & $\cdot$ & 7.49 & (1.26) & $\cdot$ & $\cdot$ & 6.13 & (1.26)\\
\hspace{2ex}Medicine expenses $>$ 9\% of total & $\cdot$ & $\cdot$ & 8.11 & (1.34) & $\cdot$ & $\cdot$ & 6.81 & (1.32)\\
\hspace{2ex}Food expenses $>$ 35\% of total & $\cdot$ & $\cdot$ & 8.37 & (1.27) & $\cdot$ & $\cdot$ & 7.06 & (1.26)\\\tabularnewline
\textit{Housing precarity} & & & & & & & & \\
\hspace{2ex}People per sleeping room & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 2.39 & (0.68) & 1.71 & (0.65)\\
\hspace{2ex}Presence of domestic pests & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 2.42 & (0.77) & 2.12 & (0.76)\\
\hspace{2ex}Presence of leakages or dampness & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 3.00 & (0.76) & 2.38 & (0.76)\\\tabularnewline
\textit{Clothing precarity (ref: good, adequate)} & & & & & & & & \\
\hspace{2ex}Poor clothing conditions & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 7.89 & (1.75) & 6.28 & (1.75)\\\tabularnewline
\textit{Food insecurity (ref: no insecurity)} & & & & & & & & \\
\hspace{2ex}Some food insecurity & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 7.59 & (0.91) & 4.45 & (0.92)\\
\hspace{2ex}Moderate food insecurity & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 13.76 & (1.36) & 8.79 & (1.42)\\
\hspace{2ex}Severe food insecurity & $\cdot$ & $\cdot$ & $\cdot$ & $\cdot$ & 19.00 & (1.98) & 12.85 & (2.09)\\\tabularnewline

\midrule\textit{Model statistics} \\ \hspace{2ex}Adjusted R$^2$ & 0.134 & $\cdot$ & 0.147 & $\cdot$ & 0.147 & $\cdot$ & 0.166 & $\cdot$ \\
\hspace{2ex}Number of observations & 20,424 & $\cdot$ & 20,424 & $\cdot$ & 20,424 & $\cdot$ & 20,424 & $\cdot$ \\
